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  1. 04-18-2010, 02:19 AM #1
    clevagirl73
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    Default Frugal Newbie from California

    Hello Everyone,

    My name is DJ and I've been reading this blog for a while but just joined the forum. I'm a married college professor living in Southern California. I came in to frugality last year due to faculty furloughs resulting in a 10% paycut. My husband and I had purchased a home about 6 months prior to the furloughs so that loss of income was quite devastating.

    My husband really picked up the slack in terms of household bills so that I could concentrate on paying down my student loans and credit cards. My goal is to pay off my credit card bills in 3 years. To that end, we've cut back on eating out and I'm doing my own hair (and for a black woman, that's a huge deal y'all ). So I've joined to learn more about frugal living and get ideas from the trenches.
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  2. 04-18-2010, 02:49 AM #2
    mauimagic
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    Aloha and welcome from Hawaii!! So glad you joined us!!
    Travel light. The baggage of the past can only hold you back.




    “Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
    — Peter Walsh
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  3. 04-18-2010, 04:39 AM #3
    daughter of pearl
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    Welcome from Canada!
    BEF: $$120/$1000
    Change Jar- $36.20

    My New Computer Fund - I DO NOT NEED A NEW COMPUTER UNTIL I HAVE A FULLY FUNDED BEF!!

    Debt Snowball - ON TARGET!!
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  4. 04-18-2010, 08:22 AM #4
    Darlene
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    :welcometofv: Make yourself at home DJ!
    ~*Darlene*~
    Live Well~LaughOften~Love Much

    "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
    Leo Buscaglia

    2012 Challenges
    Books Read: 43
    :



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  5. 04-18-2010, 08:25 AM #5
    wwe11
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    Hi and welcome!
    2012 Debt Reduction

    (cc#1) Kohl's- P.I.F. (closed)!!!!

    (cc#2) Chase- P.I.F. (closed) !!!!!

    (cc#3) capital one(mine)- $741.37 /$731.34

    (cc#4) amazon-$1,458.47 / $863.94

    (cc#5) Kohl's - $606.29 / $687.16(CLOSED!)

    (cc#6) capital one(His)- $615.93 /$673.97

    (cc#7) CHASE (HIS)- $1,985.14 / $1,055.85

    (cc#8) Lowes(His)- $3,355.71 / $2,592.42


    (cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95

    (cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)

    (cc#11) Home Depot(his)-$3,796.87 / $3,375.31

    (cc#12) Capital One(mine)- $2,991.98 / $2,967.94

    (cc#13) Micro center- $743.61 / $755.60

    car pyment- $16,245.30 / $17,773.46

    house pymnt- $76,973.95 / $81,360.00




    $0
    $14.00 EF
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  6. 04-18-2010, 08:38 AM #6
    ilovechocolate
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    Hi and welcome, DJ!
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  7. 04-18-2010, 11:44 AM #7
    Sara Noel
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    to frugal village.
    If you'd like to help support Frugal Living by Sara Noel, my syndicated column, e-mail, write, or call the managing editor at your local newspaper and ask them to publish it in print or online. It's internationally syndicated through Universal Uclick. Thank you for supporting Frugal Village.

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    “A monumental event can happen any day." --Peale
    "Leap and the net will appear.” --John Burroughs

    Would the child you once were be inspired by the adult you've become?
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  8. 04-18-2010, 01:45 PM #8
    Rippin508
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    Welcome to Frugal Village.
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  9. 04-18-2010, 01:55 PM #9
    piney
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    Hi and welcome Dj.
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  10. 04-18-2010, 07:44 PM #10
    frugalfranny
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    Glad you have joined us.
    Travel light. The baggage of the past can only hold you back.

    January Book List
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  11. 04-19-2010, 09:29 PM #11
    frugal-fannie
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    Hi and Welcome from So Cal.
    The problem with a living sacrifice is, it always trys to crawl off the alter.- Chuck Swindoll
    debt 59,076.95/148,000 first mortgage 407131.74/ 515,000 2nd mtg,creative fin.-rental houses fix up 342035.13.pfcu-16,000,FCU-10,AMX-4925.71-0%, Chase Freedom $1500.00 Chase, 2500.00 35315.72+30-70315.72 13,129.28 /22,000 land payment
    29199.33 / 38,000 land pmt $42,328.61
    balance owed 705,000.00/493756.41 30000 or less- final fix up for rentals 40315.72- total high interest debt pay down
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  12. 04-20-2010, 12:38 AM #12
    WindTech
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    Hello Cali Girl,
    It is always good to be frugal isn't it? Even if it was not initially by choice.
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